Idaho mortgage calculator

30-year fixed mortgage calculator with Idaho-specific defaults. Median home price $445,000 · property tax effective rate 0.69%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$89,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Idaho

State pre-set for this page. Switch state

Property tax rate

~$256 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $148/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $445,000 home, 20% down, 6.875% APR, 30-year fixed in Idaho.

Where your payment goes

Principal & interest$2,339

Property tax$256

Homeowner insurance$145

PMI$148

Loan amount

$356,000

Total interest

$485,920

Total paid

$841,920

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$28,064	$3,704	$24,360	$24,360	$352,296
Y02Year 2	$28,064	$3,967	$24,097	$48,457	$348,329
Y03Year 3	$28,064	$4,249	$23,815	$72,272	$344,080
Y04Year 4	$28,064	$4,550	$23,514	$95,786	$339,530
Y05Year 5	$28,064	$4,873	$23,191	$118,977	$334,657
Y06Year 6	$28,064	$5,219	$22,845	$141,822	$329,438
Y07Year 7	$28,064	$5,589	$22,475	$164,297	$323,849
Y08Year 8	$28,064	$5,986	$22,078	$186,375	$317,863
Y09Year 9	$28,064	$6,410	$21,654	$208,029	$311,453
Y10Year 10	$28,064	$6,865	$21,199	$229,228	$304,588
Y11Year 11	$28,064	$7,352	$20,712	$249,939	$297,235
Y12Year 12	$28,064	$7,874	$20,190	$270,129	$289,361
Y13Year 13	$28,064	$8,433	$19,631	$289,760	$280,928
Y14Year 14	$28,064	$9,031	$19,033	$308,793	$271,897
Y15Year 15	$28,064	$9,672	$18,392	$327,185	$262,225
Y16Year 16	$28,064	$10,358	$17,706	$344,891	$251,867
Y17Year 17	$28,064	$11,093	$16,971	$361,861	$240,773
Y18Year 18	$28,064	$11,881	$16,183	$378,045	$228,893
Y19Year 19	$28,064	$12,724	$15,340	$393,385	$216,169
Y20Year 20	$28,064	$13,626	$14,438	$407,823	$202,543
Y21Year 21	$28,064	$14,593	$13,471	$421,294	$187,950
Y22Year 22	$28,064	$15,629	$12,435	$433,729	$172,321
Y23Year 23	$28,064	$16,738	$11,326	$445,055	$155,583
Y24Year 24	$28,064	$17,926	$10,138	$455,193	$137,657
Y25Year 25	$28,064	$19,197	$8,867	$464,060	$118,460
Y26Year 26	$28,064	$20,560	$7,504	$471,564	$97,900
Y27Year 27	$28,064	$22,019	$6,045	$477,609	$75,882
Y28Year 28	$28,064	$23,581	$4,483	$482,092	$52,301
Y29Year 29	$28,064	$25,254	$2,810	$484,902	$27,046
Y30Year 30	$28,064	$27,046	$1,018	$485,920	$0

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Idaho — related

Idaho income tax

Top marginal 5.30% · Flat rate

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13